# STATE BANK OF HAMBURG
HAMBURG, MN · FDIC certificate 8199 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $22.5M | |
| Deposits | $20.3M | |
| Loans and leases | $10.0M | |
| Total equity | $2.1M | |
| Loans / deposits | 48.88% (p13 of band) | 77.89% |
| Liquid assets / assets | 53.91% (p86 of band) | |
| Uninsured deposits / deposits | 9.49% (p23 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.88% (p10 of band) | 11.44% |
| Unrealized securities loss / equity | 1.57% (p73 of band) | 0.54% |
| AOCI / equity | 10.95% (p96 of band) | |
| ROA (annualized) | 0.15% (p7 of band) | 1.03% |
| Net interest margin | 3.10% (p15 of band) | 3.82% |
| Efficiency ratio | 94.66% (p94 of band) | |
| Noncurrent loans | 0.07% (p24 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1528.57% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $176,000 (1.76% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.0% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | losing money, expense ratio p90 | capital falling |
| 2013-06 | 1 |  | losing money |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | expense ratio p90 |
| 2014-03 | 6 | losing money, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-06 | 3 | reserve under noncurrent | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 4 | losing money |  |
| 2014-12 | 4 | capital falling | charge-offs p90 |
| 2015-03 | 4 | noncurrent p90 | capital falling |
| 2015-06 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2016-06 | 5 | uninsured deposits leaving |  |
| 2016-09 | 2 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | leverage <7%, capital falling |  |
| 2018-03 | 1 |  | expense ratio p90, losing money, capital falling |
| 2018-06 | 0 |  | leverage <7% |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 | capital falling | uninsured deposits leaving |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 3 | expense ratio p90, deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-28 [Anna Oelfke Obituary (1936 - 2024) - Hamburg, MN - Sun Patriot - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWTlWOTFadmVqWi10dHp6SWM2cGpnRGNKOENNZW5hdDFYb1U3NmplNzdqTmotdjNmX3JnNGVqSnQtdkhkM2xLdndVeDRDRWEwWnE0MllEZ05mZlY0SjMxMEswWEllWTUxUFZsSjFmUmcxSDdwSkR0eEdQSHRCNlVQRktyOFZTdlREeWR5d1BwQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8199 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "8199", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide